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Etios Liva Car Insurance
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Etios Liva Car Insurance

The Toyota Etios Liva is a hatchback car that was launched in India in 2011. It is a 5-passenger car that offers a comfortable cabin space. It was popular among those who wanted a fuel-efficient and spacious hatchback. Due to issues related to the BS6 implementation, the Etios Liva has been discontinued effect from 1st April 2020.

Key Features of Toyota Etios Liva

The Etios Liva is available in both petrol (1.2-litre engine) and diesel (1.4-litre engine) variants. It has a 5-speed manual transmission. The car has a fuel efficiency of 15.1 km/l in city conditions. It has a fuel tank of 45 litres capacity.

The car is offered in four trims- G, GX, V, and VX. The spacious cabin is one of the most prominent attractions of this car along with its flat rear floor. The boot space of 251 litres is sufficient for most small families. It has a ground space clearance of 120 mm.

The key features of the Etios Liva include:

  • Power steering
  • Engine immobilizer
  • Crash sensor
  • Driver and passenger airbags
  • ABS with EBD
  • Adjustable headlights
  • Glove box cooling
  • Parking sensors

Premium for EtiosLiva Car Insurance

The premiums for various Etios Liva car insurance models are given in the table below. The exact premium you are charged would depend on factors like the date of registration, the terrain you drive on, among others:

Car Variant

Price of the Car

IDV*

Zero Depreciation

(Add On)*

Premium*

Toyota Etios Liva 1.2 G Petrol 1197 cc

Rs.5,20,000

Rs.3,78,000

Rs.1,871

Rs.6,013

Toyota Etios Liva 1.2 VX Petrol 1197 cc

Rs.6,30,000

Rs.4,41,000

Rs.2,183

Rs.6,479

Toyota Etios Liva 1.4D GD Petrol 1364 cc

Rs.6,48,000

Rs.4,76,000

Rs.2,356

Rs.6,737

*The prices are calculated for a 2018 Etios Liva registered in New Delhi.

Inclusions

  • The policy covers theft of the car allowing you to claim for losses.
  • Damage caused to the property of a third party or injuries caused to a third party will be covered and the liability is taken care of by the insurer.
  • The policy coverage includes natural disasters like earthquakes, floods, and landslides.
  • Any damage to the car caused by an accident is included.
  • Personal accident coverage is included allowing claims for medical expenses for the driver.
  • In case of the occurrence of any man-made hazard like riots, vandalism, arson, or a terrorist attack you are allowed to make a claim.
  • Losses caused due to fire or explosion are included.
  • Damage to the car during transit is included.

Exclusions

  • Driving without a valid license is excluded and will invalidate any claim.
  • Driving the car for commercial reasons or for racing is not included.
  • In case the driver is under the influence of drugs or alcohol, claims under the policy are not entertained.
  • Losses caused due to the general wear and tear of the vehicle will not be covered under the policy.
  • Any type of electrical or mechanical breakdown, failure of chassis, or breakage due to rusting is excluded.
  • Deliberate damage caused to the car is excluded.
  • Any consequential damage that arises out of the consequences of the driver's action is excluded (eg: engine damage due to driving in floods).
  • Damages caused due to war or enemy invasion are excluded.

Add-ons

You can ensure you get complete coverage for your Etios Liva by buying add-on coverage to the policy. This enhances coverage and includes certain items, which are excluded. Some of the add-ons you can consider are:

  • Zero depreciation: is a cover that will provide you with bumper-to-bumper coverage for your car. No depreciation is calculated at the time of making a claim.
  • Invoice price cover: enhances the coverage of your insurance. The claim limit will not be the IDV (insured declared value) but will be the invoice price of the car as per the purchase date.
  • Engine protector: is an add-on that ensures that damage to the engine or engine parts can be claimed and will not be excluded.
  • Unnamed passenger cover: is an add-on that provides benefits in case of injury/death for any passenger in the car at the time of the accident.

Renewal Process

Renewing the insurance policy for your Etios Liva is important to ensure that you remain protected from risks. Renewing the policy is easy and convenient when you do it using PolicyX.com. This is how you can complete the renewal process:

  1. The first thing to do is to scroll up to the top of this page and look for the form in the top right-hand corner.
  2. You will have to enter the registration number of your car and click on 'Get Quotes'. Alternatively, you can also click on 'Proceed without your car number', enter the details (such as the Car Make, Variant, RTO Code, and Reg. Year) and select the 'Renewal' radio button before you click 'Proceed'.
  3. On the quotes page, select the insurer of your choice and select the buy now option.
  4. You will then be taken to the website of the insurer. Complete the renewal process by paying online directly to the insurer.
  5. You will receive a mail with confirmation of payment and a copy of the documents.

Frequently Asked Questions (FAQs)

1. I had submitted a claim following my car accident and I found that the cost of engine oil, brake, and coolants was excluded from the claim. Can these charges be claimed?

Normally, charges of consumables are excluded from the scope of the car insurance policy. Buying consumables add-on will ensure that you can claim for the cost of all consumable items, including coolant and other oils.

2. Is it worth buying a daily allowance cover for my Etios Liva policy? What is the allowance I would get?

If you have a daily allowance cover and your car is at the garage for repairs after an accident, then you are entitled to a predetermined amount as a daily allowance. This amount can be used to take care of your travel expenses during this period by hiring a cab or other arrangements.

3. I had kept my laptop in the car when it was stolen. Can I be compensated for the loss of the laptop along with the loss of the car?

Yes, provided you had opted for a personal belongings add-on to your car policy. This add on allows you to claim for loss of personal belongings kept in the car. Mobile phones, laptops, clothing, personal effects are included and losses can be claimed. You need to report to the police before making a claim.

4. I opted for a voluntary deductible of five thousand rupees and got a discount of around 20%. How will this work when I make a claim?

A voluntary deductible is an amount that you agree to pay in the event of a claim. Opting for a voluntary deductible entitles you to a discount on the premium. If you make a claim and the total liability is 20,000, then you need to pay 5,000 and the insurer will pay the balance amount. This is how a voluntary deductible works and it is applicable only when you make a claim.

Last updated on 07-05-2020